Mainstreet Bank Financials

MNSB Stock  USD 16.61  0.35  2.06%   
Mainstreet Bank is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March. At present, Mainstreet Bank's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 267.5 M, whereas Net Debt is forecasted to decline to about 14.5 M. Key indicators impacting Mainstreet Bank's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.590.38
Way Up
Pretty Stable
Current Ratio1.161.1
Notably Up
Slightly volatile
The financial analysis of Mainstreet Bank is a critical element in measuring its lifeblood. Investors should not minimize Mainstreet Bank's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

32.1 Million

  
Please note, the presentation of Mainstreet Bank's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Mainstreet Bank's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Mainstreet Bank's management manipulating its earnings.

Mainstreet Bank Stock Summary

Mainstreet Bank competes with Oak Valley, Home Federal, LINKBANCORP, First Northwest, and Investar Holding. MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. MainStreet Bancshares, Inc. was incorporated in 2003 and is headquartered in Fairfax, Virginia. Mainstreet Bank operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 157 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS56064Y1001
CUSIP56064Y100 56064A102
LocationVirginia; U.S.A
Business Address10089 Fairfax Boulevard,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitemstreetbank.com
Phone703 481 4567
CurrencyUSD - US Dollar

Mainstreet Bank Key Financial Ratios

Mainstreet Bank Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.6B1.6B1.9B2.0B2.3B2.5B
Net Debt(61.1M)(32.5M)123.3M19.1M21.9M14.5M
Retained Earnings44.2M64.2M86.8M106.5M122.5M128.7M
Cash75.9M61.8M48.9M53.6M61.6M64.7M
Other Assets1.2B1.3B110.6M1.8B2.1B2.2B
Net Receivables9.6M7.7M9.6M12.4M14.2M15.0M
Total Liab14.8M29.3M1.7B1.8B2.1B2.2B
Total Current Assets233.0M169.4M1.8B114.5M131.7M184.3M
Common Stock29.1M29.5M28.7M29.2M33.6M20.4M
Other Current Liab867.4M867.6M1.4B1.4B1.6B829.9M
Other Liab3.3M3.2M3.7M17.4M20.0M21.0M
Net Tangible Assets137.0M140.4M159.0M161.9M186.2M112.0M
Accounts Payable1.1B1.4B1.4B1.5B1.7B1.0B
Long Term Debt14.8M29.3M172.2M72.6M83.5M63.0M
Other Current Assets118.3M101.7M1.7B126.9M145.9M233.9M
Short Term Debt529K689K100.6M654K588.6K559.2K
Long Term Debt Total14.8M14.8M29.3M72.2M83.1M87.2M
Capital Surpluse75.1M66.1M67.7M64.0M73.6M70.2M
Net Invested Capital155.2M190.8M343.3M266.9M306.9M229.7M
Capital Stock56.4M56.7M56.0M56.5M64.9M53.2M

Mainstreet Bank Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense16.1M10.7M13.8M48.2M55.4M58.2M
Total Revenue53.5M59.6M74.8M124.1M142.7M149.9M
Gross Profit51.6M57.6M72.5M123.0M141.4M148.5M
Operating Income19.6M28.0M47.2M38.6M44.4M46.6M
Ebit57.7M58.9M77.4M(3.9M)(4.5M)(4.3M)
Ebitda59.2M60.6M79.2M(2.2M)(2.5M)(2.4M)
Net Income15.7M22.2M26.7M26.6M30.6M32.1M
Income Tax Expense3.8M5.8M6.7M6.2M7.2M7.5M
Income Before Tax19.6M28.0M33.4M32.8M37.7M39.6M
Cost Of Revenue1.9M2.0M2.3M1.1M1.3M990.7K
Tax Provision3.8M5.8M6.7M7.4M8.5M8.9M
Net Interest Income46.0M53.5M70.0M79.5M91.5M45.9M
Interest Income62.1M64.2M83.8M116.8M134.3M141.1M

Mainstreet Bank Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash42.7M(14.3M)37.4M(16.1M)(14.5M)(13.8M)
Free Cash Flow15.7M56.1M25.8M25.6M29.5M30.9M
Depreciation2.1M2.4M2.6M1.8M2.0M1.2M
Other Non Cash Items3.2M28.6M2.0M2.1M2.4M2.8M
Capital Expenditures1.3M4.3M7.8M6.0M6.9M7.3M
Net Income15.7M22.2M26.7M26.6M30.6M32.1M
End Period Cash Flow107.5M93.2M130.6M114.5M131.7M138.3M
Investments(313.8M)(35.6M)28.0M(144.6M)(130.1M)(136.6M)
Change To Netincome1.7M3.0M(693K)3.2M3.7M1.9M

Mainstreet Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Mainstreet Bank's current stock value. Our valuation model uses many indicators to compare Mainstreet Bank value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Mainstreet Bank competition to find correlations between indicators driving Mainstreet Bank's intrinsic value. More Info.
Mainstreet Bank is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Mainstreet Bank is roughly  9.72 . At present, Mainstreet Bank's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Mainstreet Bank's earnings, one of the primary drivers of an investment's value.

Mainstreet Bank Systematic Risk

Mainstreet Bank's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Mainstreet Bank volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Mainstreet Bank correlated with the market. If Beta is less than 0 Mainstreet Bank generally moves in the opposite direction as compared to the market. If Mainstreet Bank Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Mainstreet Bank is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Mainstreet Bank is generally in the same direction as the market. If Beta > 1 Mainstreet Bank moves generally in the same direction as, but more than the movement of the benchmark.

Mainstreet Bank Thematic Clasifications

Mainstreet Bank is part of Banking investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
BankingView
This theme covers USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
Today, most investors in Mainstreet Bank Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Mainstreet Bank's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Mainstreet Bank growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(25.0)

At present, Mainstreet Bank's Price Earnings To Growth Ratio is projected to decrease significantly based on the last few years of reporting.

Mainstreet Bank February 1, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Mainstreet Bank help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Mainstreet Bank. We use our internally-developed statistical techniques to arrive at the intrinsic value of Mainstreet Bank based on widely used predictive technical indicators. In general, we focus on analyzing Mainstreet Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Mainstreet Bank's daily price indicators and compare them against related drivers.

Complementary Tools for Mainstreet Stock analysis

When running Mainstreet Bank's price analysis, check to measure Mainstreet Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Mainstreet Bank is operating at the current time. Most of Mainstreet Bank's value examination focuses on studying past and present price action to predict the probability of Mainstreet Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Mainstreet Bank's price. Additionally, you may evaluate how the addition of Mainstreet Bank to your portfolios can decrease your overall portfolio volatility.
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